Point of View Papers

Get inside the minds of Fiserv thought leaders as they share their perspectives on how industry changes and tech trends are shaping our future.

Credit Scoring Evolves to Meet New Risk Challenges

Credit scoring is in the midst of its own particular evolution, especially as it relates to automotive financing. By looking at the way factors such as changing demographics, shifting prioritization and new driver preferences impact credit scoring, automotive financers can better understand how to operate in the new world of credit financing and identify new indicators of credit worthiness that can help them navigate the muddy waters of automotive financing today.

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EMV Adoption – The Dynamic Landscape

While many of the world's developed banking systems have adopted EMV (Europay, MasterCard, Visa) payment standards, the U.S. has been slow to embrace it. With growing inconvenience for customers who travel abroad, plus the potential heightened risk associated with magnetic-strip technology, the U.S. has a critical decision to make on when and how it will migrate to EMV.

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Lessons in Efficiency Learned from the Best Banks on Main Street

Discover tips from some of the best, most efficient banks on Main Street.

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Mobile Deposits: Changing the Way Everyone Will Bank

Remote deposit capture, long tied to the PC and desktop scanner, has arrived at its ultimate destination – anywhere, anytime check deposits tied to highly popular mobile banking functionality, utilizing the must-have, do-everything smartphone. Learn why mobile deposit attracts desirable consumer and small business market segments, and offers financial institutions of any size another way to attract and retain deposits.

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Mobile Payments Not a One-Size-Fits-All Proposition

In this POV, Calvin Grimes, Manager of Mobile Solutions at Fiserv, shares his views on what the eventual end state of the mobile payments ecosystem will look like, and how financial institutions can position themselves now for success in the future.

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The Convergence Requirement: Creating New Challenges and Opportunities for Industry Participants

As the lines between bank and brokerage blur, the industry is now in motion to make the necessary shifts to accommodate a new, converging world. It also makes sense that the industry must do a better job of serving investors, who are struggling to make sense of what they own, they owe and what they must now do differently to achieve their financial goals.

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The Digital Transformation: Empowering Consumers and Businesses Through Technology Innovation

The digital age is here. Embracing new digital technologies can help save money, provide transparency and maximize growth. Learn how the digital transformation has already empowered both financial institutions and the government.

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Transparency in Default Servicing: Better Data, Better Decisions

How you manage your data and the transparency of your processes affects your risks and decision quality. Learn how creating a transparent environment in the company allows the regulators, investors and borrowers to have a better understanding of the decisions being made.

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What’s Next for Financial Planning Technology?

Over the last several years, virtually every financial services firm has been affected by advancements in technology. As the industry demands greater efficiency and smarter ways to compete, advisors are turning to tablets, mobile devices and integrated technologies.

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